April plans offer coverage in Southeast Asia or worldwide

April Insurance Thailand

Summary

April Insurance Thailand

From its offices in Bangkok, April Thailand offers highly flexible individual, family and employer group plans to resident expats and locals alike.

April Insurance Vietnam/Bảo hiểm April Việt Nam
April Insurance Thailand

Key Features

Available to expats and locals up to age 65
Worldwide or Southeast Asia coverage
Pre-existing conditions generally excluded but coverage for some may be available for a fee
COVID inpatient treatment covered
Community rating means any annual premium increases will be reasonable and renewal is guaranteed
Direct billing at most big expat hospitals for inpatient stays means you don’t need to pay upfront
Bank transfers and credit card payments available
Employer group plans available with significant discounts
Popular

Direct Billing Partners

Sample Pricing for a 35-year old

Essential

inpatient only
฿ 2,083 Monthly
  • ฿3,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Checkup
  • Routine Dental
  • Maternity

Essential

+ dental
฿ 2,515 Monthly
  • ฿3,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Checkup
  • ฿22,925 Routine Dental
  • Maternity
Popular

Extensive

inpatient + outpatient
฿ 6,917 Monthly
  • ฿32,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • ฿13,100 Annual Checkup
  • Routine Dental
  • Maternity

Extensive

In, Out, Dental
฿ 7,583 Monthly
  • ฿32,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • ฿13,100 Annual Checkup
  • ฿71,050 Routine Dental
  • Maternity

Similar Providers

Personal Discounts

Policy with 3 family members
7.5%
Policy with 4 family members
10%
Policy with 5+ family members
15%
฿32,750 deductible
20%
฿81,875 deductible
35%

Corporate Discounts

4 Employees
20%
5 Employees
25%
6-10 Employees
30%
11-15 Employees
35%
16+ Employees
40%

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April Insurance Thailand

Frequency Asked Questions

April MyHealth in Asia plans are available to expats and locals who reside in Thailand, up to age 65.

More than most insurers allow, the April MyHealth in Asia Thailand plans can be tailored to meet individual needs.

All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

April MyHealth in Asia policies offer excellent mix-and-match policies.

  • Inpatient only limits: 3,275,000 to 65,500,000 TBH
  • Outpatient limits: 40,000 TBH to the Inpatient limit
  • Maternity limits: 163,750 to 491,250 TBH
  • Dental limits: 22,925 TBH

April MyHealth Thailand plans offer 3 coverage areas:

  • Southeast Asia and Europe (excluding Singapore)
  • Worldwide (excluding USA)
  • Worldwide

Outside this area, you are covered for unforeseen emergencies and illnesses up to ฿1,637,500, so long as your trip away from your residence country doesn’t exceed 30 days.

It’s important to understand that private health insurance is a for-profit business. People with pre-existing medical conditions represent a risk to profitability, since they are far more likely to make claims than people who are entirely healthy, which affects the bottom line. Insurers manage this risk in a number of ways.

Most insurers use medical underwriting to assess a potential customer’s risk based on medical history. Then they decide whether to:

  • Exclude certain conditions from the coverage of a policy
  • Impose a fee for covering specific conditions (called loading)
  • Cover certain conditions despite the risk, or offer to reassess a condition at a later date

Some insurers offer a moratorium policy: people with conditions that aren’t chronic (persisent, recurring, uncurable) can take advantage of this special type of policy, which excludes non-chronic conditions from coverage for typically 2 years before covering them.

Employer groups of certain sizes can qualify for a policy that disregards participants’ medical history. This is the only way to cover certain conditions.

April Thailand offers both full medical underwriting and moratorium policies. Applicants with significant pre-existing conditions, particularly chronic conditions, are sometimes denied coverage. Milder conditions are often accepted with loading.

April, like all legimate international insurers, will cover COVID-19 treatment, subject to the policy rules. This means that inpatient treatment (typically at least an overnight stay) is covered up to the policy’s annual limits. However, if you don’t have outpatient coverage, any outpatient treatment will not be covered.

COVID-19 testing and vaccinations may be covered under outpatient health check or vaccination coverage.

Generally, COVID-19 quarantine expenses are not covered by any health insurance policy.

Tenzing can assist in obtaining a certificate that shows your COVID coverage, for travel or other purposes.

Allianz offers direct billing for inpatient and outpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t have to pay directly.

The Allianz network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

April Thailand offers direct billing for inpatient and outpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t have to pay directly.

The April network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

All of Tenzing’s international health plans operate on an annual basis, and while some do allow you to make periodic payments rather than all at once, Thailand regulations require a single annual payment.

April MyHealth offers group health insurance plans that allow employers to provide peace of mind to valued employees.

There are generally two types of employer plans:

  • Full medical underwriting (FMU) requires covered individuals to provide medical history, which the insurer uses to assess risk and assign premiums.
  • Employer groups that are sufficiently large can qualify for a policy that disregards participants’ medical history (MHD). This is the only way to cover certain conditions.

April allows employers to establish plans with as few as 1 employee for FMU, 10 for MHD.

Documents

Open Hours:

Mon – Fri: 8.30 am – 6 pm, Saturday – Sunday: CLOSED

Johannes Heikkila

Advisor
From Finland
Expat for 1 year
Speak Finnish, English & Spanish

Speciality:
- Health Insurance
- Savings Plans

Robert Cunningham

Advisor
From the UK
Expat for 13 years in Thailand & Vietnam
5 years' insurance & financial services

Speciality:
- Health Insurance
- Life Insurance
- Savings Plans

Romain Camillo

Senior Advisor
11 Years in Insurance & Financial Services
Expat in thailand for 7 years
Joined Tenzing in 2020
Speaks French & English


Speciality:
- Health Insurance
- Life Insurance
- Savings Plans"

Nancy Dao

Advisor
From Vietnam
International Business from UK
Lived in Singapore
Speaks Vietnamese & English

Speciality:
- Personal Health Insurance
- Group Health Insurance

Hunter Deems

Advisor
10 years' experience in insurance and investments
Joined Tenzing in early 2020

Speciality:
- Investments
- Savings Plan
- Health & Life Insurance
Patrik Shore Tenzing Pacific Services

Patrik Shore

Senior Advisor
From Sweden & New Zealand
7 years' insurance experience
Joined Tenzing in 2019
Crim Science
Speaks English and Swedish

Speciality:
- Savings Plans
- Health Insurance
- Life Insurance

Geoffrey Mann

Advisor
From the US
Employee benefits & insurance compliance background
Joined the Tenzing team in 2019
Law degree from the US

Speciality:
- Personal Health

Nhu Nguyen

Senior Advisor
From Vietnam
Joined Tenzing in 2017
Fluent in Vietnamese & English

Speciality:
- Group Health & Life Insurance
- Personal Health"
Tenzing's advisor

Ian Comandao

Health Insurance Manager
From Philippines
MBA from Duke University
Expat for 20 years in US, China, Hong Kong & Vietnam Worked at Tenzing since 2018
Fluent in English, Tagalog, Mandarin

Speciality:
- Personal Health Insurance
- Group Health Insurance
- Business Insurance

Craig McAvinue

Director of Wealth Management
From the UK
25 years' expereince in investments & insurance
Expat in Thailand for 5 years
Chartered Accountant by trade
Holistic approach to consulting his clients

Speciality:
- Investments
- Savings Plans
- Health & Life Insurance

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"
  • 84 35857 2629
  • 84 35857 2629
  • quinn.miller@ten-pac.com

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"